Account Fees

Charging a fee is our least favorite part of serving you.

These fees apply to accounts and services.

Because we're a credit union and a not-for-profit, we keep fees as low as possible and often eliminate them. But there are certain fees we need to charge to cover our expenses.

Member Account Fees

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FEES FOR ALL ACCOUNTS   Current Fees
Abandoned Accounts   $50.00
Bad Address Fee   $5.00
Checking Account - Boost1   $15.00
Checking Account - Online2 Fee may be avoided if account criteria is met. $10.00
Checking Account - Payback3 Fee may be avoided if direct deposit requirement is met. $10.00
Checking Account - Forces4 Fee may be avoided if direct deposit requirement is met. $10.00
Check Clearing History5 Last 10 checks $5.00
Direct Deposit Correction After 3rd occurrence $25.00
Early Account Closing Closing within 60 days of opening $25.00
Early Withdrawal - Club Account & Generator Share Certificate   $25.00
European Bill Pay   $2.00 in branch or $1.00 online
Inactive Account Fee No account activity for 12 months or more $5.00
Money Market Excess Transaction6   $10.00
Money Market Low Balance Applies to balances less than $1,000 (Legacy Money Markets only). $10.00
Non-Sufficient Funds (NSF) Return Charge7   $32.00
Paper Statements8   $5.00
Privilege Pay Fee9 Overdraft Protection for Checks & ACH $32.00
Returned Deposit Item   $25.00
Stop Payment   $25.00
Tax Levy / Garnishment Administrative Fee   $75.00
DEBIT CARD USAGE    
Andrews Federal and CO-OP ATMs ATM/POS (point of sale)
Transactions
Free of Charge
Non-Andrews Federal and/or Non-CO-OP ATMs10   $1.00
Foreign Transaction Fee11   1% of the transaction amount
Replacement Card   $10.00
Privilege Pay Visa® Debit Card Overdrafts12 Debit Card Purchases Overdraft Protection $32.00
SAFETY DEPOSIT BOX ANNUAL RENTAL  
  3 x 5 $35.00
  3 x 10 $55.00
  5 x 10 $85.00
  10 x 10 $150.00 
Drilling   $150.00
Key Replacement   $30.00 
OTHER SERVICES AVAILABLE    
Account Research / Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/Hour
Copy of Paid Item / Statement   $5.00
Custodian IRA Transfers   $10.00
Express Mail Subject to weight and delivery location limits Costs vary
External Loan Payment by Phone13   $11.50
Interim Statement   $5.00
Notary   $2.00 per document
Money Order   $2.00
Official Check One per day with no fee $5.00
Phone Requests5 Balance Request by Phone5 $2.00
1 free per month
  Loan Payment Transfer by Phone5
  Share Transfer by Phone5
Signature Guarantee   $25.00
Special Collection Item Domestic $10.00
  Foreign Costs vary
Temporary Checks Per sheet (4 checks) $4.00
Verification of Deposit   $25.00
Wire Transfers14 Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $50.00
  Bank-to-Bank Incoming Wires $15.00

Rev. April 2022

 

Business Account Fees

Click here for a printer-friendly PDF version of this document.

FEES FOR ALL ACCOUNTS   CURRENT FEES
Abandoned Accounts    $50.00
Bad Address Fee    $5.00
Check Clearing History1  Last 10 checks $5.00
Check Printing Charges    Set by printer (see upon request)
Checking Account Monthly Maintenance2    $25.00
Direct Deposit Correction  After 3rd occurrence $25.00
Early Account Closing  Closing within 60 days of opening $50.00
Excess Transaction Fee3    $0.25
Inactive Account Fee  No account activity for 12 months or more $5.00
Non Sufficient Funds (NSF) / Uncollected Item Return Charge4    $32.00
Paper Statements    $5.00
Returned Deposit Item    $25.00
Stop Payment    $25.00
Tax Levy / Garnishment Administrative Fee    $75.00
DEBIT CARD USAGE    
Andrews Federal and CO-OP ATMs  ATM/POS (point of sale) Transactions Free of Charge
Non-Andrews Federal and / or Non-CO-OP ATMs5   $1.00 
Replacement Card   $10.00
Other Services Available    
Account Research/Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/Hour
Coin Service    varies upon request
Currency Service   varies upon request
Copy of Paid Item / Statement    $5.00
Express Mail  Subject to weight and delivery location limits Costs vary
Interim Statement   $5.00
Other Services Available    
External Loan Payment by Phone6     $11.50
Notary   $2.00 per document
Money Order   $2.00
Official Check One per day with no fee $5.00
Phone Requests Balance Request by Phone1  $2.00 / 1 free per month
  Loan Payment Transfer by Phone1 
  Share Transfer by Phone1
Signature Guarantee    $25.00
Special Collection Item  Domestic $10.00
  Foreign  Costs vary
Temporary Checks Per sheet (4 checks) $5.00 per sheet 
Verification of Deposit    $25.00
Wire Transfers6 Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $50.00 
  Bank-to-Bank Incoming Wires $15.00

Rev. April 2022

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Andrews Federal members received over $12 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.